The grace period for Hua Xia Bank credit cards is three days. According to Query Xicai.com, if the credit card holder is unable to repay the minimum payment amount within the specified repayment period, then as long as the cardholder can repay the minimum payment amount before 19:00 on the third day after the due repayment date, The repayment amount will also be regarded as being repaid on time and will not be regarded as overdue. The repayment grace period provided by Hua Xia Bank does not require credit card holders to actively apply. Hua Xia Bank will extend it by itself. However, if the loan is not repaid after the grace period, it is considered overdue. Hua Xia Bank's credit card has a three-day grace period, so the payment can be made 3 days late, but the cardholder must repay the amount before the end of the grace period at the latest, otherwise the credit card will be overdue. Once a credit card is overdue, it will have an impact on the cardholder's credit, and the overdue records will only be deleted after 5 years. Minimum credit card payments will not affect your credit history, but they are more costly. Overdue credit cards will generate negative records, which will be deleted after 5 years. If you encounter credit card problems, you can contact the professional team for solutions.